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FIRE Calculator — Retire Early

Financial Independence, Retire Early. Enter your savings, what you add monthly, and your number — see how many years to FIRE.
Passive income — per month
$0
$0 / year
years to goal
$0
capital for goal

FIRE math: your 'number' is roughly 25× your annual spending (the 4% rule). The calculator below shows the capital your monthly income goal needs, and — with what you invest each month — how many years until you get there. Lower your burn or raise your savings rate and the years drop fast.

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How is the FIRE number calculated?

FIRE number ≈ annual spending × 25 (a 4% safe withdrawal). For $40,000/yr spending, that's $1,000,000. Set your monthly goal below and it back-solves the capital.

Free FIRE Calculator — Retire Early · 2026 · PassiveIncomeCalc